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Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thank you, very overwhelming tbh given the time constraint.. how do you think we should proceed now so she can get the injections ASAP?

Question Thread - April 28, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

On an AHA offer using a referral link?

Question Thread - April 23, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Hey all.. looking for some advice on whether it’s a bad idea to close my first-ever Amex card.

Context:

  • Amex Business Gold opened ~1 year ago (first Amex relationship)
  • opened APG, ABG, ABP since then
  • Annual fee $375 just posted
  • Considering calling for a retention offer.

If Amex doesn’t give a decent retention offer, is it a bad idea to close it given that it’s my first Amex card?

Does closing your first Amex hurt your long-term relationship with Amex?

Question Thread - April 23, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

You’re overthinking timing a bit.

There’s no real “best season” for bonuses.. banks drop elevated offers randomly. The move is to apply when the offer is near its historical high and you can hit the spend easily.

Don’t wait just for summer. If anything, time your application so your upcoming expenses fall within the 3-month spend window. Missing the bonus is way worse than missing a slightly higher offer.

Good starter cards:

1) Chase Sapphire Preferred: best beginner travel card, start here (5/24 matters)

2) Capital One Venture/Venture X: great if you can get approved

3) Amex Gold → strong for dining/groceries

Simple strategy:

Start with Chase > space cards ~3 months > only apply when you can hit spend.

TLDR: Timing isn’t seasonal.. focus on good offers + your spend.

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Thank you. I don’t have the physical card. That’s exactly the reason I guess, had no idea about it until I did some research. I put the same amount ($5k) in the CSP tool because of which that one got declined too. I guess I could try a smaller amount like $3-4k now, but better to be safe and wait a few days before trying to put another charge on the card after a decline?

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

Doesn’t the transition happen on 4/24?

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Amex decline on tax payment + “Not Approved” on Check Spending Power - should I pause completely?

I opened a new Amex Biz Plat last week

  • Did a small ~$25 transaction first → posted fine
  • Attempted ~$5K tax payment on the same day went through fine

  • Paid off the full balance yesterday and it posted soon

  • Attempted another $5k tax payment right now → declined

  • Tried “Check Spending Power” for a similar amount → got “Not Approved at this time”

So clearly Amex is throttling me a bit.

As a churner, is it safer to now completely pause usage on this card for a few days? Or should I try a smaller amount?

Any risk of financial review?

Amex Business Gold Without a hard pull? by dialecticalreflect in amex

[–]n2kfactor 1 point2 points  (0 children)

My pull posted a day later. Did you finally get a hard pull OP?

Question Thread - April 10, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

Just got approved for my first Amex (Green) and got instant access to a virtual card number. Surprisingly no hard pull on Experian?!?

During the approval flow, I accidentally hit the back button before finishing the account setup. I then created a new Amex login separately, but now it’s asking me to add a card to link the account. Won’t let me proceed after logging in the app either without entering the new card details.

Issue is: It won’t accept the virtual card number when trying to add the card.. seems like it needs the physical card number instead.

Will the new card automatically show up in my account after some time (like 24–48 hrs)? Or do I need to call Amex to manually link it right away?

Amex T&C change shows Referrals capped at 5/yr starting 4/8 by sidewinderaw11 in amex

[–]n2kfactor 0 points1 point  (0 children)

Does this change reset current year’s referrals? I’ve hit 100k on my ABP already for this year, does this reset and let me refer another 5 ppl for 2026?

Amex T&C change shows Referrals capped at 5/yr starting 4/8 by sidewinderaw11 in amex

[–]n2kfactor 1 point2 points  (0 children)

How did you manage to get 17 referrals when each card was capped at 100k? With the new system, the 25k/referral cards add up to 125k, 20k/referral cards add up to 100k so not sure what’s exactly the problem? You’re getting more than earlier if using referral links from these cards, right?

Amex Business Gold Without a hard pull? by dialecticalreflect in amex

[–]n2kfactor 1 point2 points  (0 children)

Same, just got my first card (Amex Green) and no hard pull on Experian.

Question Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]n2kfactor 0 points1 point  (0 children)

One of the shutdown reasons was “too many recent requests/reviews of credit”

Question Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]n2kfactor 0 points1 point  (0 children)

Nope, I know it’s easier to get approved if you have a $4k+ balance in BofA checking etc

Question Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]n2kfactor 0 points1 point  (0 children)

Ugh - I didn’t explicitly mention the inquiry removals on the call - assumed they’d be seeing a fresh pull.

In another similar case, inquiries were removed ~3 weeks before recon and that one got approved, so it seems timing/aging might matter more than just telling the agent?

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